Published decisions
352
Firm-specific decision volume in the public corpus
Firm analysis
Morses Club PLC complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Morses Club PLC, including outcome context, product mix, complaint themes, and representative cases.
Page summary
352 published decisions involving Morses Club PLC, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
352
Firm-specific decision volume in the public corpus
Upheld rate
59.7%
210 upheld decisions
Latest published decision 09 Nov 2023
Upheld rate
59.7%
210 upheld decisions
Leading product
Consumer Credit
333 decisions
Leading complaint theme
Affordability Assessment Failure
128 tagged decisions
Morses Club PLC at a glance
Morses Club PLC appears in 352 published decisions in this corpus. 59.7% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Consumer Credit is the firm’s clearest product exposure in the published decisions, with 333 decisions and an upheld rate of 60.7%.
- Latest active year in the published data: 2023 (41 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Conc
Volume and outcome trajectory
Morses Club PLC's decision trail runs from 2017 to 2023. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Morses Club PLC appeared in 41 published decisions with an upheld rate of 63.4%.
- 2023: 41 decisions, 63.4% upheld
- 2022: 173 decisions, 55.5% upheld
- 2021: 91 decisions, 61.5% upheld
- 2020: 37 decisions, 83.8% upheld
- 2019: 4 decisions, 25.0% upheld
Themes, products, and precedent signals
Affordability Assessment Failure is the strongest complaint-theme signal tied to Morses Club PLC in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Conc, Prin are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Consumer Credit: 333 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Prin
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-421343409 Nov 2023Not upheld
Morses Club PLC · Consumer Credit
DRN-4213434 The complaint Mr M complains that Morses Club PLC irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In October 2022, Mr M applied for a personal loan with Morses. He borrowed £980 which was to be repaid by 52 weekly repayments of £36.7... (2 pages)
View source decisionDRN-422592307 Nov 2023Not upheld
Morses Club PLC · Consumer Credit
DRN-4225923 The complaint Mrs H complains that Morses Club PLC irresponsibly gave her a fixed sum loan agreement she couldn’t afford to repay. What happened Mrs H applied for a loan with Morses in September 2022. The loan was for £300. Mrs H was required to make 39 weekly repayments of £14... (2 pages)
View source decisionDRN-422601701 Sept 2023Upheld
Morses Club PLC · Consumer Credit
DRN-4226017 The complaint Miss C complains that Morses Club PLC lent to her irresponsibly and without carrying out proper affordability checks. What happened Between April 2016 and October 2017 Morses Club approved five loans for Miss C. However, the dispute about the first four loans has ... (3 pages)
View source decisionDRN-429455318 Aug 2023Upheld
Morses Club PLC · Consumer Credit
DRN-4294553 The complaint Mrs G complains that Morses Club PLC (Morses) didn’t help or assist her when she informed it that she had become ill. She says Morses didn’t listen and instead kept trying to collect payment towards the loan. Mrs G says the loan account has now defaulted which she... (6 pages)
View source decisionDRN-416804026 Jul 2023Not upheld
Morses Club PLC · Consumer Credit
DRN-4168040 The complaint Miss A complains that Morses Club PLC (“Morses”) mis-sold her a loan because she wanted to pay monthly but was told initially payments would need to be made weekly. She says she agreed to pay £120 per month. However, she later discovered that paying monthly could ... (5 pages)
View source decision